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Cardiac Care Platinum
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Persons who have been diagnosed witha Cardiac ailment/ disorder inthe past and undergone a Cardiac Surgical intervention or procedure for the same. Note - Person with pacemaker can also apply for this policy.


  • Entry Age:- 7 years to 70 years
  • Renewal:- Lifelong
  • Policy Term:- 1 year / 2 year / 3 year
  • Premium Payment:- Quarterly / Half-Yearly / Yearly / Biennial (once in 2 yrs) / Triennial (once in 3 yrs)
  • Sum Insured Options (Rs. in Lac) 5 / 7.5 / 10 / 15
  • Psychiatric & Psychosomatic Covered (Actuals)
  • Cardiac Devices (like Pacemaker) Covered up to 50% of the Sum Insured
  • Modern Treatments Covered up to the Sub-limits mentioned in the policy clause
  • Rehabilitation & Pain Management Covered up to the Sub-limits (or) up to 10% of the Sum Insured whichever is less
  • Wellness Services Diet consultation, Counselling (for stress management), Unlimited-Tele Consultation, E-pharmacy
Title Description
Ambulance Expenses Covered (Actuals)
Automatic Restoration of Sum Insured Available once in a policy year (does not cover same illness/cardiac ailments/ modern treatments)
Co-Payment Not applicable
Day Care Procedure Coverage All daycareproceduresarecovered(Actuals)(Note:Sub-limitsapplicableonlyforCataracttreatment)
Donor Expenses Heart Transplantation expenses Covered up to 200% of the Sum Insured (ExpensesincludingharvestingandtransportationofHeartbyAirand/orRoadarecovered)
Free Health Checkup For SI 5 lac and 7.5 lac Rs 2000 and For SI 10 Lac Rs 3000 and SI 15 Lac Rs 4000 availableaftereverypolicy year
ICU Daily Rent Limit Covered (Actuals)
Medical Screening Not Required. ECHO,ECG (taken within 6months),Consultation andall medical records related totheintervention/ surgery/ medical management should be submitted at the time of proposal
Minimum Hospitalization Period 24 hours
No Claim Bonus 10%ofthesuminsuredforeachclaim freeyearandmaximumupto100%of thesum insured
Post Hospitalization Expenses 60 days Actual
Pre-Existing Disease / Illness coverage Covered after 4 years
Pre-Hospitalization Expenses 30 days Actual
Room Rent Limit Single Private AC Room (Actuals)
Waiting Period for New Policy 30 days for all illnesses (except for accidents)